2 Cottonfield Dr, Guyton, GA 31312 Property Records

Effingham County property record for 2 Cottonfield Dr, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,752 sqft · built 2024
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$429,700 (Aug 2024)
Tax Bill	$5,630 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`G0210-168-000`

Property Details

APN / Parcel Number

Primary APN	`G0210-168-000`
Alternative APNs	`G0210001000` `G0210168` `22229`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,752 sqft Living Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2025
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Area	500 sqft
Porch	Slab
Porch Area	327 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	22229
Street Address	2 COTTONFIELD DR
City	GUYTON
State	GA
Zip	31312-5378
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	.25 AC LOT 168 (OUT G21-1A)
Legal Subdivision	MOSSY HOLLOW
Legal Lot Number	168
Jurisdiction	EFFINGHAM GA
Township / Civil Division	GUYTON-SPRINGFIELD
Census Block Group	4
Census Block	4059
Census Tract	30204

Owner

2 Cottonfield Dr is owned and occupied by two individuals who bought it in August 2024.

Source: Effingham County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2 COTTONFIELD DR, GUYTON, GA 31312-5378
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE LENDING
Oct 18, 2023	Deed of Trust, Mortgage · Commercial Mortgage SYNOVUS BANK
Aug 2, 2024	Warranty Deed, Subdivision Related Transfer · FHA Mortgage PLAINS COMMERCE BANK
Mar 15, 2023	Warranty Deed, Transfer
Mar 1, 2019	Limited Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2024 · Amount on File
Deed Sale	Aug 2, 2024 · Amount on File
Prior Sale	Mar 21, 2023 · Amount on File
Deed Book / Page	2923 / 816
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Recording Date	Jun 30, 2026
Property Address	2 COTTONFIELD DR, GUYTON, GA 31312-5378
Document Number	0000000057
Book / Page	3053 / 851
Instrument Date	Jun 26, 2026
Instrument	202657
Transaction Type	Mortgage
Record Updated	Jul 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	164 GUANA LN, BLOOMINGDALE, GA 31302-8145

Mortgage

Document Number	0000000057,
Date	Jun 30, 2026
Book Page	3053/851
Instrument	202657

Lender

Name	UNITED WHOLESALE LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	2 COTTONFIELD DR, GUYTON, GA 31312-5378
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 COTTONFIELD DR, GUYTON, GA 31312-5378

Mortgage

Document Number	0000002876/0000000698
Date	Oct 18, 2023
Book Page	0000002876/0000000698

Lender

Name	SYNOVUS BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 1, 2024

August 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Aug 2, 2024
Property Address	2 COTTONFIELD DR, GUYTON, GA 31312-5378
Document Number	002923/816
Book / Page	2923 / 816
Instrument Date	Aug 1, 2024
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 22, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 COTTONFIELD DR, GUYTON, GA 31312-5378

Mortgage

Document Number	D2024005864
Date	Aug 2, 2024
Instrument	D2024005864

Lender

Name	PLAINS COMMERCE BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2054

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Mar 15, 2023
Property Address	2 COTTONFIELD DR, GUYTON, GA 31312-5378
Document Number	002837/983
Book / Page	2837 / 983
Instrument Date	Mar 15, 2023
Instrument	2023-000653
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 212428, AUGUSTA, GA 30917-2428
Investor	Possibly a Property Investor

March 2019: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Mar 1, 2019
Property Address	2 COTTONFIELD DR, GUYTON, GA 31312-5378
Document Number	002513/837
Book / Page	2513 / 837
Instrument Date	Mar 1, 2019
Instrument	2019-000551
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 DURDEN DR, POOLER, GA 31322-2301
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2 Cottonfield Dr was $5,630, up 1,156.7% from the year before.

Source: Effingham County assessment roll, as of December 22, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Effingham County
Municipality	Guyton City
Unified School District	Effingham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$175,029 (+0.48%) Land $17,600 Building $157,429	$437,573 (+0.48%) Land $44,000 Building $393,573
2025	$5,630.00 (+1,156.7%)	$174,187 (+889.7%) Land $17,600 Building $156,587	$435,468 (+889.7%) Land $44,000 Building $391,468
2024	$448.00	$17,600 Land $17,600	$44,000 Land $44,000
2022	$442.00	$14,800 Land $14,800	$37,000 Land $37,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2 Cottonfield Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2 Cottonfield Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Planters Rural Telephone Cooperative Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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